RAC Loans Cashback

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Terms & Conditions and other useful information
  • What will stop me getting cashback?
    • Cashback will not be paid if customers cancel their loan within the cooling off period.
    • Cashback will not be paid if the application is identified as fraudulent. RAC reserves the right to cancel any applications or cashback if we discover or reasonably suspect the terms of the offer are being abused.
    • Cashback will only be paid for new applications that are fully completed online through TopCashback.
    • Cashback will not be paid in conjunction with any other offer, voucher or discount code unless listed on this page, or with any other discounts such as staff or student discounts.
    • You must have BACS as your cashback payment method for this merchant.
  • What else is essential?
    • In common with other insurance companies, this merchant does not pay cashback on renewal of policies or on saved quotes, unless we have indicated otherwise above.
  • Good to know
    • RAC Loans cashback can be earned simply by clicking through to the merchant and shopping as normal.
    • RAC Loans Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online.
    • Cashback rates are subject to change both up and down.
    • From time to time information displayed here may be out of date. Please see Topcashback's full Terms and Conditions page for further information.
    • Recurrences on the amount of purchases that can be made while earning cashback may be limited.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
    • Transactions for this merchant should appear as pending within 24 hours. They will remain at this status until the retailer confirms that we're eligible for cashback. Once this happens your purchase will reach the confirmed stage of your account. When the merchant then pays us the cashback we can make this payable in your account.
    • If you earn cashback through this merchant, payouts cannot be made by Amazon.co.uk e-Gift Card, British Airways Executive Club, Costa e-Gift Card, Debenhams e-Gift Card, Evans Cycles e-Gift Card, Halfords e-Gift Card, Love2Shop, M&S e-Gift Card, Nike e-Gift Card, PayPal, Pizza Express e-Gift Card, The Entertainer e-Gift Card and Ticketmaster e-Gift Card.
  • What to do when
    • Some merchants may not be forthcoming with untracked cashback. We endeavour to chase untracked cashback but reserve the right to halt enquiries at any time. Please do not make purchase decisions based upon expected cashback as it is not guaranteed.
    • The vast majority of transactions from merchants track successfully, occasionally a transaction may not get reported. If you believe this to be the case, please submit a "Missing Cashback" query within 100 days of the transaction, we will be unable to chase up claims older than this.

About RAC Loans

Get your personalised loan rate in just 3 minutes. Whether you're looking to buy a car, renovating your home or reorganising your finances, at RAC Loans we know that one size doesn’t fit all when it comes to car finance. That’s why we give you an interest rate personal to you based on your own circumstances, so you can see your chances of being accepted before you apply, helping you to stay in control of your borrowing.

At RAC Loans we make sure you have complete clarity and certainty from the outset to help you balance your budgets. Clear and simple, with great service to match. Just fill in our simple quote form to tell us a few details about yourself. Don’t worry this won’t affect your credit record.

RAC Loans Benefits:
• Quick online application
• Quote won’t affect your credit score
• Funds in 3 days
• Fixed monthly payments
• Early repayment at any time

RAC Loans are provided by Shawbrook Bank Limited. RAC Loans is a trading name of RAC Financial Services Limited who are acting as a credit broker.


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  • When will I actually get my cashback?